- Below is a screenshot of the payment gateway settings page
- Complete the fields according to your preferences and enter your First Atlantic Commerce credentials to start accepting payments via Woocommerce checkout.
- Below is a detailed explanation of each field:
- Enable/Disable Payment GatewayThis checkbox allows you to enable or disable this First Atlantic Commerce payment gateway as a payment option during checkout on your website.
- Enable/Disable FAC Test Mode
First Atlantic Commerce has a Testing Server for testing your payment gateway integration as well as a Production Server which is for processing real transactions. When this checkbox is checked, your transactions will be sent to their Testing Server (https://ecm.firstatlanticcommerce.com). When the checkbox is unchecked, your transactions will be sent to their Production Server (https://marlin.firstatlanticcommerce.com).You will have different FAC Merchant ID & FAC Merchant Processing Password for testing and for live processing.If you are using your testing credentials, ensure that the checkbox is checked, otherwise, if you are using production credentials, ensure that the checkbox is NOT checked.
- Payment Type
This dropdown allows you to choose from two options for processing payments:
Authorize & Capture Payments Immediately: with this option, during payment, the customer’s card is checked to verify that their card has sufficient balance to process the transaction, then the transaction amount is immediately taken from the customer’s card and routed to the merchant’s bank account.
Authorize then Capture Payments Manually Later: with this option, during payment, the customer’s card is checked to verify that their card has sufficient balance to process the transaction, then the transaction amount is reserved on the customer’s card for the merchant. You will then need to capture the authorized payment manually via the orders page. This method is commonly used for stores that wish to postpone capturing of payment until after an item is shipped.
- Enable/Disable 3D Secure
This option enables 3D Secure technology during payment processing. Only enable this option if 3D Secure is supported by your bank and merchant account. When 3D Secure is enabled, additional card verifications are done which will help to reduce the number of fraudulent transactions, resulting in fewer chargebacks.
- Enable/Disable Address Verification (AVS)
This option enables Address Verification during transactions to help reduce credit card fraud. Only enable this option if AVS is supported by your bank and merchant account. When enabled, if the billing address entered by the purchaser doesn’t match the billing address of the cardholder then the transaction will not be processed successfully.
- Title of Payment Method
Here you can set the title of this payment method in the list of payment methods shown to customers during checkout. This value defaults to “Credit Card”
- Description of Payment Method
Here you can set the description of this payment method in the list of payment methods shown to customers during checkout. The description is shown below the title of the payment method. This value defaults to “Pay securely with your credit card.”
- Credit Card Tokenization
When this option is enabled, customers are given the option during checkout to save their credit card details on the platform for faster checkout in the future. If a customer chooses the option to save their credit card during checkout then the plugin will use an encrypted card identifier generated by FAC to enable using of the card for future transactions without saving the card details. The actual credit card number and card data is never stored by the plugin
- Supported Card Types
From this multi-select dropdown, you can select all the cards types that are supported by the bank and merchant account. The logos of the cards selected here will be shown to customers during checkout. To select multiple card types from the dropdown, press CTRL (on Windows) or Command (on Mac) while clicking on each card type.
- FAC Merchant ID
Here you will enter your FAC ID / Merchant ID
- FAC Merchant Processing Password
Here you will enter the corresponding processing password for the Merchant ID entered above.
- Enable Kount
Check this box if you would like to enable Kount for this payment gateway. Kount is an addon fraud detection technology that can help to detect and reduce fraudulent transactions. Only check this option if you have already requested the Kount service from FAC or your bank and have received your count Merchant ID.
Once this option is checked you will see a checkbox appear, asking if you want to Enable Test Mode for Kount as well as a text box where you should enter your Kount Merchant ID
IMPORTANT!:Kount integration requires you to create a 1×1 GIF, upload it to your server and send the URL to FAC. Let’s say you created your GIF and named if kount.gif and uploaded it to the root of your server. Assuming your site’s URL is example.com, you will need to send FAC this link – example.com/kount.gif.
You must also pay particular attention to the below modifications that are required to the plugin code after you have enabled Kount:
Kount requires an extra line of code to be added to your website’s .htaccess file. (Located in wp-content/plugins/fac_woocommerce_gdc/lib and wp-content/plugins/fac_woocommerce_gdc/inlcude ).
Please see the details below based on where you’re hosting your site.
Godaddy + Hostgator
AddHandler fcgid-script .html
FCGIWrapper /usr/local/cpanel/cgi-sys/php5 .html
AddHandler application/x-httpd-php5 .html .htm
AddType application/x-httpd-php .htm .gif
If your server isn’t listed, you may contact us to provide additional support with the integration of Kount.
- Show FAC & 3D Secure Logos At CheckoutFAC requires that you include a Powered by FAC logo on checkout pages. Once this checkbox is checked, the plugin will automatically put this logo betow the credit card details form on the checkout page.